Depository book



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INVENTR CHARLES BLuEsToNE ATTORNEY Dec. 24, 1940. c. BLUEsToNEDEPOSITORY BOOK Filed July 24.,` 1939 2 Sheets-Sheet 2 FIG. 5.

INVENTOR CHAR LES BLU EsToNE BY@Q ATTORNEY Patented Dec. 24, 1940 UNITEDvSTATES PATENT osi-ics pero srrony BooK Charles Bluestone, UniversityCity, Mo. Application July 24., 1939, serial No. 286,064

z claims. (ci. v23a- 52) This invention relates generally to depositorybooks and, more particularly, to a certain new and useful improvement insuch books of the coupon depository type, with lspecific regard to aneconomic method whereby, by budgeting ones income, an individual maysystematically save a self-specified portion for enabling the payment ata self-designated time, for instance, of the cost of whatever travel,foreign or domestic, recreational, educational, commercial, orindependent, such as escorted and sightseeing tours, cruises, and thelike, he or she may desire.

My invention hence has for its primary objects the provision of a bookof the type stated which may facilely be so manipulated in use as topreserve a continuing and progressive record of the successivetransactions between the customer and the depository, which is simpleand economical in form and structure, which cannot readily be falsifiedor otherwise subjected to fraudulent use, which automatically preservesan effective receipt both for the customer and the depository, and whichis highly efficient in the performance of its stated functions.

And with the above and other objects in View,

my invention resides in thenovel features of form, construction,arrangement, and combination of parts presently described and pointedout in the claims.

In the accompanying drawings (two sheets):

Figure 1 is a reduced perspective View ot a coupon depository boo-kembodying my present invention;

Figures 2 and 3 are obverse and reverse views,

respectively, of the first so-called coupon or page of the book;

Figure 4 is a perspective view of a partially severed or torn coupon orpage, illustrating the interrelation of the front and rear faces of the,several respective pages or coupons; and

Figures 5 and 6 are obverse and reverse views, respectively, of thesecond coupon or page of the book.

Referring now in more detail and by reference characters to thedrawings, A designates generally a so-called coupon or budget bookembodying my invention in preferred form, which book includes aplurality of identically shaped overlying flexible leaves or pages Istapled or otherwise marginally fixed to `and housed withincorrespondingly sized front and rear covers 2, 3, preferably integrallyjoined or connected by a back 4.

Each leaf I is subdivided into a so-called receipt-stub 5, arecordproviding end panel 6, and an intermediate or central panel 'I, inturn, transversely subdivided by a plurality of spaced paralm `lel linesof weakness 3, into a seriesv of sumdesignating tear-sections or couponsS.

On the stub 5 and end panel E, respectively, is imprinted and displayedsuitable indicia and wording descriptive preferably of the nature of thebook A, the serial number thereof, and such other information and dataas may be desirable, as more or less shown in Figures 2 and 5.

The coupons S are preferably numbered consecutively, on the front faceof the respective panels 'I, from 1 to 17, both inclusive, the No. lcoupon being adjacent the stub E and the No. 17 coupon beingcorrespondingly adjacent the endpanel 6. I

The coupons S of the several successive panels 'I display selectedmonetary values or sums. Accordingly, in the present instance, thecoupons 9 on the first leaf or sheet I are imprinted with and displayamounts or sums from a unit value of $.50 to succeeding multiplesthereof to $20.00 in the series as shown in Figure 1. The second sheetor leaf I is similarly imprinted with and display values or amounts froma unit multiple of $1.00 to a unit multiple of $40.0() in the series asshown in Figure 5. Thus, the series No. 1 coupon on each successive leafI will show and have a value of an amount 59e greater than thecorresponding coupon of the preceding leaf or sheet. It will, of course,be obvious and understood that the numerical arrangement anddenomination of the various coupons may be varied to suit the particularpurpose for which the book is to be used.

On the reverse side, each of the leaves I is preferably blank, exceptfor the coupons 9, which are imprinted substantially as shown in Figures3 and 6. It should be noted, however, that the reverse side of the No. 1coupon is blank and that the reverse side of the No. 2 coupon carriesand displays the same wordingas the obverse side ofthe No. 1 coupon ofthe particular page or leaf. Similarly the reverse side of the No. 17coupon carries and displays ythe same wording as the obverse side of theNo. 16 coupon of such page or leaf. Finally, the reverse side of the endpanel 6 of said particular leaf is imprinted with and dis plays adjacentthe outer line of weakness 8 with the same wording as the No. 17 coupon.

For example, if it be assumed that the budgeteer desires to save ftycents a week, he will select coupon series No. 1, and upon depositingthe initial sum of fifty cents, the first leaf I is severed along thefirst line of weakness 8, leaving an initial stub 5 with the No. 1coupon iol thereto attached. The detached portion of such leaf l will beretained by a teller or clerk of the depository and will display on itsreverse side the same amount, namely, $.50, on its first or No.

' 1 coupon. Preferably the teller of the depository will stamp both thestub 5 and the end panel 6, showing the deposit and thus preservingduplicate receipts of the transaction.

At the time of the second deposit, the next succeeding leaf l is severedalong a line 8 so as to leave the No. l coupon thereof attached to thestub 5 as before to indicate that the total sum of $1.00 has beendeposited to date. Again, on the reverse side of the detached portion ofsuch leaf, the attached first or No. 1 coupon will also indicate thatthe total amount of $1.00 has been deposited to date.

If, on the other hand, the budgeteer, for instance, desires to makedeposits in units of $6.00, he would select coupon series No. 7, and theseveral leaves I would then each be severed along the line of weaknessintermediate coupons No. 7 and No. 8.

In such manner, the budgeteer may build up, by regular, systematicdeposits, the total sum desired for any specic purpose, both thebudgeteer and the depository having quickly at hand complementaryreceipts for respective deposits.

It will be evident that the book A of my present invention may bereadily employed for a wide range of savings plans and withoutnecessitating a multiplicity of books of different denominations. Inaddition; the book A is relatively fraudproof, since the stubs 5retained in the book by the budgeteer or customer can only be alteredthrough the removal of attached coupons, and such action would onlyresult in lowering, rather than raising, the total of deposits or othersuch value of the book. Similarly, the detached leafportion or end panel6 retained by the teller can only be altered through the removal ofcoupons, and such action would merely increase the amount for which theteller or depository representative would have to account. By reason ofthe fact that the reverse side of the detached portion displays theprecise amount corresponding to the budgeteers or customers stub 5,mistakes and clerical errors are avoided.

This unique book, and the economic and cornmercial activities which willresult from its use, pertains particularly to financial organizations,such as banks, insurance companies, and like institutions, and businessorganizations which may avail themselves of the book, especially bankswhich do not operate a budget-planV savings account nor offer patronsservice of an independent travel bureau which will provide a separateand distinct service department, an invaluable patron service.

It should be understood that changes and modifications in the form,construction, arrangement, and combination of the several parts of thebook may be made and substituted for those herein shown and describedwithout departing from the nature and principle of my invention.

Having thus described my invention, what I claim and desire to secure byLetters Patent is:

l. A deposit-book -comprising a plurality of elongated leavescollectively vand permanently bound at one edge between covers andhaving their bound and free edges printed as receipt and collectioncoupons and the leaves being numerically successively designated on bothof said coupons from front to back of the book, each of said leaves inthe middle portion intermediate the collection and receipt coupons beingprovided with a plurality of spaced and transversely extending lines ofseverance thus subdividing the leaf into a series of separable monetaryvalue indicating coupons with the coupons on the first leafconsecutively displaying increasing selected monetary values upon thefront faces thereof and the succeeding leaves of the book having thetear-0E separable coupons thereof successively displaying monetaryvalues being substantially the multiple of the monetary valuer on eachof the coupons of the first leaf when taken with the particular leafdesignating member whereby when the first leaf is severed at aparticular intermediate coupon severance of successive leaves along acorresponding line will give both collection and receipt indications ofa total being the multiple of the particular leaf and the collectedmonetary value on the first leaf with both the collection and receiptcoupon portions being of substantially equal length for the severalsevered leaves.

2. A deposit-book comprising a plurality of elongated leavescollectively and permanently bound at one edge between covers and havingtheir bound and free edges printed as receipt and collection coupons andthe leaves being numerically successively designated on both of saidcoupons from front to back of the book, each of said leaves in themiddle portion intermediate the collection and receipt coupons beingprovided with a plurality of spaced and transversely ex- 1 tending linesof severance thus subdividing the leaf into a series of separablemonetary value indicating coupons with the coupons on the first leafconsecutively displaying increasing selected monetary values upon thefront faces` thereof and the succeeding leaves of the book having theltear-off separable coupons thereof successively displaying monetaryvalues being substantially the multiple of the monetary value on each ofthe coupons of the first leaf when taken with the particular leafdesignating member whereby when the first leaf is severed at aparticular intermediate coupon severance of successive leaves along acorresponding line will give both collection and receipt indications ofa total being the multiple of the particular leaf and the collectedmonetary value on the first leaf with

